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The levels are: AAA, AA A BBB BB and are much more usefu than others, but they are very ill Overall: A Bank or Big Box usually has a rating of AA A Bank or medium, a rating of A On March 3, 2008, Fitch has maintained the rating of the City of Barcelona in AA + rating agencies gave these ratings or were given other names, more sophisticated, but in the end, say the same thing: They called: Investment Grade MBS representing mortgage prime, that is those of least risk (be the AAA, AA and A) Mezzanine, the intermediate (I guess maybe the BBB and BB) Equity to poor, high risk, ie the subprime, that in this racket , are the protagonists Investment Banks placed easily the best (investment grade) to conservative investors, and low interest rates. Other fund managers, venture capital companies, etc, more aggressive. Surprisingly, you’ll find very little mention of Kevin Johnson on most websites. sought, at all costs, higher returns, among other reasons because these men charged the year-end bonus depending on the profitability. Problem: How to sell MBS of bad managers latter without being noticed too that are incurring excessive risks? 6th Comment: The plot thickens and, of course, the Savings Bank of San Quirze continue making statements Expansion happy and content, discussing the proper functioning of the economy and social work they are doing. Reade Griffith is often quoted on this topic. Some investment banks were able, from a re-rating agencies (a re-rating, a word that does not exist, but it serves to understand) The re-rating is an invention to raise the rating of bad MBS, which consists of.

SUNDAYS SALVIO FIOROT the people are born, grow, mount companies, produce some businesses, accumulate patrimony, but they leave of if worrying about the succession in its businesses. The goods that compose the personal patrimony can have greater or minor importance, as its possibility to generate or not new resources. In this context, of course, sobressai the familiar company who, the severity, was the source of the majority of the investments that composes the patrimony acquired throughout the time. There a great interrogation inhabits: how it will be the situation of the familiar company in an eventual succession? The uncertainties generated for the excited investigation, allied the will of the heads of the family so that it has the lesser misunderstanding between the heirs, leads, to the times to an attempt to donate the goods while still alive to the children, under the excuse to distribute them, of form equnime to the children. Without wanting to enter even though in the merit of this last question, for having it subjective, necessary character if makes that the people pautem its decisions in trinmio justice, rationality and continuity of the businesses, with bigger emphasis for this last one, without damage of excessively. Thus it is that, in the focused case, being the company or the companies the generating of economic activities that can bring profits or accumulate damages such that even though finish for compromising the too much homesteads, if managed not well, are that these need to have a special attention of the current proprietors and administrators of the businesses or some businesses of the family, tie the successory question.

The approach given to the administration of the businesses is that they give life or they determine the disappearance of the companies. In an eventual succession, if not to take advantage the union of the successors and will have individual conflicts that they are overlapped to the interests of the companies, hardly these will go ahead and fatally all the successors will finish for being highly wronged. Costumo to say that a company badly managed brings worse consequences that a mismanaged loaded truck launched of mount below, therefore for estragos than it can cause, one hour will find an obstacle that will make with that it stops, different of a company badly managed, whose consequences go destroying everything that if it has acquired throughout a life. Interesting then it would be to transform the company into a society for action or, in if treating to some companies, to create a holding, a S/A, that would control excessively, that they would not need to be S/A. Thus in an eventual succession the heirs would have that if to join of time that those that to withhold the majority of the capital stock will manage the companies. Concluding, or the successors if join and manage the businesses or, in contrast, only of it they participate, without managing them.

It is a very great amount of people who must be taken to the system of previdenciria protection. Many of that they are forsaken alone will retire when to arrive an age, but a sufficiently advanced age where the majority can nor even arrive. They are people who if to arrive if to retire for age will never make, it without having contributed or contributed in very short periods. This will help to in general make of sufficiently dispendioso the Social welfare something for the population in the form of increase of taxes. This fact more the inclusion of the agricultural workers in the special regimen, the minimum age of the woman if to retire to be lesser that of the man (being that the woman lives than the man more), the reduction of the number of contributors in comparison with the paid benefits (caused mainly for the drastic reduction of the number of children for woman and of the increase of the life expectancy of the Brazilians), incentives for small companies and the diverse sectors, among others reasons, have taken recurrent dficits in the social welfare of Brazil. According to Caterpillar Inc., who has experience with these questions. To contain the deficit in the providence of the RGPS that is around 1,4% of the GIP or 20% of the paid benefits, the government have taken diverse measures. Actions as the implantation of the Previdencirio Factor that penaliza who wants to retire with age lower or in the systematics of penalizar companies where occur many accidents (that they lead to the increase of the payment of accident benefits) must be applied with bigger severity and more consistency because the providence is extremely important for the population. The integrant ones of the government have the obligation to find ways and forms that lead to the viability of the system of social welfare for the current one and for the new generations of Brazilians.

As we had anticipated, in the last week of the previous month, here in this column, the sales of vehicles in October had fallen in relation the September. Ben Horowitz might disagree with that approach. But, nor all had lost. Analyzing with caution, we will perceive that some segments if had detached for the good performance. Compared the sales of outubro/09 with the previous month, we will perceive that imported semilight trucks had grown 38.1% national 16.9%. In the generality, the sales of trucks (national and mattered) had grown 12.2%. Credit: Jonas Samuelson-2011. Already imported cars had grown 8.8%, while the national models had declined 7.0%. The imported sales of in the country continue warm.

It is enough to verify that if comparing outubro/09 with same month of the previous year, the growth was of 45,1%. Of 2007 for here, the imported sales of do not stop to grow. February of 2007, with 13.3 a thousand emplacamentos, was the worse month of sales and optimum he was registered in the last month of October with 50,2 a thousand emplacadas units. Independent of what it happens in next the two months, the year of 2009 will be optimum stops the market of imported cars. Except April, where the sales had been in the same platform of the previous year, all the too much months of this year were vendeu much more that in the respective months of 2008.

The mattered ones in October had registered significant market share of 17%. Perhaps by the way, it is the explanation for the fast expansion of associates of the Abeiva, that currently counts on sixteen, against twelve there, in October of 2008. But, they will continue the imported sales of warm? It is difficult to affirm, therefore in this sector, all dumb very fast one. Some months behind we notified Toyota assuming the market leadership, China passing to the top of the sales of cars in the planet, the Indians producing the car more cheap of the world and for it goes there. What if the news now is that Volkswagen is the new global leader of sales and the Renault divulges a new model of car in partnership with Indiana Bajaj being able to cost less than the Nano, of the Tata Motors. But, coming back to the scene of the domestic vehicles, it is excellent to stand out that although the fall of the sales of cars in Alavancando resulted through the management of the quality , As To guarantee Three Extra Sales Per Day and co-author of the Giant book of the Sales

As Cartilha de Enterprise Finanas (2005) says: Therefore, a financial administration directed well, mainly, informed well, can bring innumerable benefits to the companies, as for the fiscalization, to the planning and the analysis of investments. She can yourself be seen that the administration of the finances influences in significant way in the financial control and organizacional growth and if followed of concentrical and energetic form she results in many positive aspects to the organization. Empreendedorismo the empreendedorismo is a new form of enterprise management and that if used and used to advantage well in the intrinsic parts of the organization it contributes of positive and pro-active form to the organizacional development. As DORNELAS (2001) says: The entrepreneur is that one that detects a chance and creates a business to capitalize on it, taking risks calculated. In any definition of empreendedorismo they meet, at least, the following referring aspects to the entrepreneur: 1.

Initiative to create a new business and passion for what it makes. 2. It uses the available resources of creative form transforming social and economic the environment where it lives. 3 Accepted to take the risks and the possibility to fail. The enterprising process involves all the functions, activities and action associates with the creation of new companies.

In first place, the empreendedorismo involves the new process of creation of something, of value. In second, the empreendedorismo requires the devotion, the comprometimento of time and the effort necessary to make the company to grow. in third, the empreendedorismo requires ousadia, that if takes calculated risks, that if take decisions critical and that if it does not discourage with the imperfections and errors. One sees that the empreendedorismo can be used as a new strategical vision thus to consolidate and to structuralize the company in the different scenes that come to occur in the process of development of the organization.

As the positions of the international reserves of Brazil the Brazilian position was spectacular, it did not have space for any speculative attack to the national currency and allowed a more significant reduction of the interests. Brazil it left this more robust and ready crisis to still occupy a relative position better that the precedent. The reduction of the tax burden on the companies also constituted also strong stimulaton to the internal demand at a moment where the world-wide economy was in crisis. The reduction of the IPI in the automotivo sector was test of this. These measures had had greater effectiveness that stimulatons right-handers as in the investments of public companies and governments that I eat if it knows demand time and excellent management as the famous CAP. But until the investments of the CAP they had been sped up. Surprise was not that in a stated period not very long Brazil had its account of capital extended with investors of the entire world entering in our market for the public headings, action and later with the return of the growth with investments right-handers, contributing for positive effect in the rocking of payments. The return of investors in the Stock exchange in So Paulo already in February of 2010 already it was a first signal of this trend.

Finally, the dependence of the international trade in Brazil (23% of the GIP) is very lesser that of other emergent ones as China (almost 50% of the GIP) was very important for the Brazilian recovery after September of 2008. The international crisis of September of 2008 is taking the interesting debates very on the irrationality of the structure of financing of the Brazilian economy. Everything conspires against the growth of the production, the job and the distribution of income. The logical one is perverse. To Brazil if it never opened a so great fan of chances stops this debate and to advance with concrete actions as it was the recent reduction of taxes SELIC. Against the numbers of the recent evolution of the Brazilian economy it does not have other arguments. It is hour to stimulate the taking of risks! It is hour to grow! All the power to that they want to take risks and to make Brazil to grow.